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Before you go further, Have you got a copy of the direct debit? Was it signed by you? Who was the beneficiary. No, I don't there is no copy of it as fair as I am aware, i've tried for 2 years to get information off them about it without any luck, if there is anything signed it wont be by me, it was for a telephone company who I don't even use! I am not mentioning that in the court bit, as the charges are unfair anyway thats what I was putting in my claim. So, do I add the default details to the claim or not ? thanks

right, they have had another letter with no response. Their time is up now. Just about to do the moneyclaim form. Just wondering can I also put the bit about removing the default in the particulars of claim? thanks

I guess Dan is feeling the heat at work with customers demanding charges back and he wanted to let off a bit of steam

I managed to get all the statements from a branch today and have worked out the costs of the charges, using the excel sheet from the library. should I send another similar letter to the one I sent above what wording should I change ? thanks for your help

I managed to get all the statements from a branch today and have worked out the costs of the charges, using the excel sheet from the library. should I send another similar letter to the one I sent above what wording should I change ? thanks for your help

they must just be sending out a standard reply to most people, in hope that we forget about it. How wrong are they!

they must just be sending out a standard reply to most people, in hope that we forget about it. How wrong are they!

Thanks, I will also try my luck for a list of charges in a branch on my lunch hour tomorrow.

Thanks, I will also try my luck for a list of charges in a branch on my lunch hour tomorrow.

Hello! got a response from nationwide, I've scanned it as its too long to type! links here: http://img374.imageshack.us/img374/652/nationwide13ra.jpg http://img98.imageshack.us/img98/2008/nationwide20oe.jpg Also here is the text from the original letter which I modified slightly from the library and sent. I have not received a list of charges from the bank as stated in the letter. :? What action should I take next ? many thanks

Hello! got a response from nationwide, I've scanned it as its too long to type! links here: http://img374.imageshack.us/img374/652/nationwide13ra.jpg http://img98.imageshack.us/img98/2008/nationwide20oe.jpg Also here is the text from the original letter which I modified slightly from the library and sent. I have not received a list of charges from the bank as stated in the letter. :? What action should I take next ? many thanks

Finally got round to sending them a letter by recorded post today. I'll let you all know the outcome!

Hi I was hoping I could get some help in drafting a letter to Nationwide I have a Flexaccount with nationwide which I didn't use and it had a zero balance with no overdraft. A couple of years ago, somehow they attached a direct debit for a service, which I didn't authorise, obviously when it came around it bounced, this happened twice before I noticed and received letters. Long story short I failed to dispute it while charges were racking up and ended up totalling about £270 worth of charges, which I paid. While it would be nice to get the charges back, What I really would like from them is to remove the default they have put there, I have only just recently discovered that while the rest of my file is clean, the default they have put on there has caused me issues Could I use the sample letter and just add a bit asking for the default to be removed? Any help would be really appreciated!